FOr example, the payee may pass on the cost of the bounced check to the grazer and, trusting on what the check was for, may assess a late fee against the grazer if the check was used to pay a bill that then became past due. ONce the check is written, if there is a decline in the credit line such that the bank will not cover the check, the harm to the bank’s buyer is unavoidable. ALthough the coaches found this meeting to be harmful to clients i. E. , longer amortization periods and, thus, higher costs for the higher rate differentiation; see credit card consultancy 1, and the harm not enough avoidable, the counsellors determined the injury was, in this casing, outweighed by the advantage in the form of low content rates for balance bears and similar promotional rates e. G. , the moving impact of an act or meeting are commonly insufficient for a finding of big injury. HOwever an act or convention that causes or is likely to cause even a small amount of commercial harm to one person may meet the huge injury common if the act or convention results in or is likely to result in harm to a large number of people. A review of the facts awarded in credit card lending consultancy 1 exhibits how a commercial harm, in the amass, was found huge by advisors even if the harm, on a case by case basis, was small. HEre, the bank allocated credit card outlays i. E. , separately aprs for acquisitions, cash proceeds, balance tolerates, hortative rates, etc. , the bank applied the shopper’s monthly payment exclusively to the lowest rate tier, perhaps ensuing in the capitalization of worry to the balance with the highest rate. FOr example, where a customer has both a gain balance and a balance move balance, the lower aprs are generally nominated to balance carries and the highest appointed to acquirement approximation. AS a result, any expenditure made by the patron would first be applied alone to the balance change balance. UNless the payment definitely pays off the balance transfer balance, the care accrued on the gain balance is capitalized, and the balance annexes. INjury caused to a group of consumers by a bank’s exercises, in its sum, may be judged substantial by the fdic; injury of a similar nature limited to only one shopper may not. THerefore, banks should routinely examine their concerns exerts to ensure such practices do not or are not likely to basically injure customers, either severally or in the total. IN credit card lending consultancy 1, the bank allocated credit card outlays on books with manifold rate tiers first to addition with lower aprs, maybe subsequent in the capitalization of unpaid care to balances with higher aprs. WHile the harm or likely harm to one cardholder caused by this congress arguably may not have been massive, when multiplied by all cardholders with rate tiered ac counts, such harm or its likeliness was considered to be big. AS a result of this convention, the patron’s check bounced, causing a variety of harms to the buyer. FOr box, when the check was dismissed because it would have caused the dependent’s credit limit to be exceeded, the consumer still owed the debt that the check was at first written to cover. IN attaching, the patron may be liable for fees following from the check not being honored. FOr example, the payee may pass on the cost of the bounced check to the browser and, subject to on what the check was for, may assess a late fee against the shopper if the check was used to pay a bill that then became past due. ONce the check is written, if there is a lessen in the credit line such that the bank will not cover the check, the harm to the bank’s client is unavoidable. ALthough the cabinet found this practice to be harmful to buyers i.